What happens to your insurance if you go on short-term disability, and you get your insurance through your employer?

  • by shoeshopper3
  • Dec 06,2018
  • 6 answers

What happens to your insurance if you go on short-term disability, and you get your insurance through your employer?


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Insurance Answers (6)

Insurance Pickle.com last week

You usually would bring them a check to pay for it.

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audrey last week

In NC you have to go to an organization called COBRA. It has to accept you. Costs an arm and a leg, but it will cover you until you can go back to work. Not sure about other states but I think it's available in all states.

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Randy last week

What kind of insurance? Life, Health, Disability, etc.

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Casey Y last week

You pay the full premium until you are ready to return to work...meaning both what was previously deducted from your paycheck PLUS whatever the employer contributed on your behalf as well.

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Beverly S last week

You have to continue to pay the premium for the disability even while not working in most cases.

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amy lynn last week

That really depends on the policies of your company. It can vary greatly depending on how good your company benefits are.
If your company does not offer any kind of disability pay for the time you are unable to work, then it is very likely that you would need to pay the monthly premium to continue insurance coverage from your own money. In some cases, you might have to pay the full premium as other answers have mentioned.
However, some companies do have short term disability plans for their employees. At the company I work for, one of our benefits is that we get 67% of our paycheck when we are off work due to a medical reason. Our insurance premiums are deducted from that 67% so that our insurance continues. We don't have to pay the company match part of the insurance either, just our regular monthly premium.
You would need to check with your employer to find out the policies of the company you work for.

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